LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,785
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$71,956
−HK$2,206/mo
Today · 4.125%
HK$74,162
baseline
▲ 0.50% · 4.625%
HK$78,674
+HK$4,512/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$148,324/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,300,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,636
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$79,718
−HK$2,112/mo
Today · 4.125%
HK$81,830
baseline
▲ 0.50% · 4.625%
HK$86,143
+HK$4,313/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$163,660/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,300,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,743
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$86,347
−HK$2,647/mo
Today · 4.125%
HK$88,994
baseline
▲ 0.50% · 4.625%
HK$94,409
+HK$5,415/mo
Deposit HK$12.24M · loan HK$18.36M · min. income ≈ HK$177,988/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,163
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$95,661
−HK$2,535/mo
Today · 4.125%
HK$98,196
baseline
▲ 0.50% · 4.625%
HK$103,372
+HK$5,176/mo
Deposit HK$12.24M · loan HK$18.36M · min. income ≈ HK$196,392/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,700
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$100,739
−HK$3,087/mo
Today · 4.125%
HK$103,826
baseline
▲ 0.50% · 4.625%
HK$110,144
+HK$6,318/mo
Deposit HK$9.18M · loan HK$21.42M · min. income ≈ HK$207,652/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,690
−HK$5,872/mo
▼ 0.25% · 3.875%
HK$111,605
−HK$2,957/mo
Today · 4.125%
HK$114,562
baseline
▲ 0.50% · 4.625%
HK$120,601
+HK$6,039/mo
Deposit HK$9.18M · loan HK$21.42M · min. income ≈ HK$229,124/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,614
−HK$7,877/mo
▼ 0.25% · 3.875%
HK$129,521
−HK$3,970/mo
Today · 4.125%
HK$133,491
baseline
▲ 0.50% · 4.625%
HK$141,614
+HK$8,123/mo
Deposit HK$3.06M · loan HK$27.54M · min. income ≈ HK$266,982/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,744
−HK$7,550/mo
▼ 0.25% · 3.875%
HK$143,492
−HK$3,802/mo
Today · 4.125%
HK$147,294
baseline
▲ 0.50% · 4.625%
HK$155,058
+HK$7,764/mo
Deposit HK$3.06M · loan HK$27.54M · min. income ≈ HK$294,588/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,680 · Scale 2, in force from 26 Feb 2026)